Not bad. I wouldn't use the word "disrespected" here; it's more of "when you overdraw the account, it poses an undue financial burden on the family and hurts our credit rating, and I'm no longer going to tolerate such irresponsible behavior." But what you wrote isn't bad.
Leave the "disrespectful" replies for things that are truly disrespectful -- lying to you, mouthing off to you, etc. When her behavior is irresponsible, then call it that.
